Answers to Our Top Questions



1. WHO IS INFORMATION BROKERAGE SYSTEMS AND WHAT KIND OF PEOPLE WILL BE MANAGING MY MORTGAGE?
Information Brokerage Systems has been in business providing biweekly mortgage service since 1989. In 1995, we developed the Mortgage Manager software program making it possible to provide the biweekly service at no cost to the homeowner. Our Lenexa business license number is 10011767. Our Dun & Bradstreet number is 79-922-3433. Were also members of several business organizations in Kansas including the Shawnee Chamber of Commerce.

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2. HOW LONG AM I COMMITTED TO YOUR SERVICE? WHAT IF I DECIDE TO TRY IT, BUT LATER CHANGE MY MIND?
Using the Mortgage Manager, even on a trial basis, commits you in no way. Our service is free so trying it costs you nothing. If youre unhappy, you can cancel at any time without any obligation whatsoever. However, our past experience tells us youll enjoy the service and the savings so much youll be telling your friends and relatives about it.

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3. IS MY MORTGAGE PAYMENT PROTECTED WITH YOUR SERVICE?
We all work hard for our money and we want assurance that its fully protected. We hear in the news everyday stories of fly-by-night companies, embezzlement of huge amounts of money, etc. With our biweekly mortgage service, your funds are fully protected, insured, and are at absolutely no risk whatsoever.

All biweekly mortgage service is done electronically and governed by Regulation E of the Federal Reserve System. Regulation E is a consumer protection law which regulates the transfer of your funds. In its simplest form, Regulation E states, An account holder has 120 days to contact their bank to reverse any unauthorized electronic debit to their account.* This can be verified at your local bank or Federal Reserve location.

Our free software also allows you to track and audit your mortgage payoff and savings every step of the way by using a special code number we send to you after a minimum of six months on the service.

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4. I THINK Ive HEARD OF THIS SERVICE BEFORE, BUT IT WAS NEVER FREE. HOW CAN YOU PROVIDE SO MUCH AT NO COST?
The Mortgage Manager competes with over 600 banks and other private companies who offer biweekly mortgage service. They ALL charge a fee ranging from $395.00 to over $1,000.00. We could easily do the same, but homeowners who are just getting by (and who need this service the most) have a hard time paying a few hundred dollars even when its going to save them thousands of dollars.)

When we developed the Mortgage Manager we searched for a way to eliminate this cost and provide the service free. Volume is how we are able to still generate revenues without charging the homeowner. The Mortgage Manager is the most popular and efficient mortgage service. Every company has to generate revenue in order to service their customers and stay in business, however, our earnings dont come out of your pocket like they do with our competitors. We are the only company in America who offers the biweekly mortgage service free.

Youll notice a small banking service fee to process your electronic transfers. This is something we do not have any control over and do not profit from. This fee can be compared to FREE cellular phone calls on evenings and weekends. You still pay 3 to 5 cents per minute which pay for taxes and other things the phone companies have no control over . This fee exists with all biweekly mortgage service, even our competitors who charge homeowners over $1,000.00 up front for the service. Actually, youre already paying this small service fee (plus a whole lot more) right now in lost savings each and every month to your lender.

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